| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $24K | — | $24K | 6.07% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 631505115 | DELTA DENTAL OF TENNESSEE | $15K | — | $15K | 3.93% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 SAINT LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - NASHVILLE | 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 2.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (CHICAGO) | 500 WEST MONROE SUITE 3400 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 12.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 5.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (CHICAGO) | 500 WEST MONROE SUITE 3400 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 12.79% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 5.28% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $54K |
| Dental | DELTA DENTAL OF TENNESSEE | 1,004 | $394K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 877 | $64K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,476 | $94K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,278 | $54K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,476 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,476 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.